-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 DTangJj84YMS3LRJOpQhfuqzkJJ5N4lHJGzGLwJ8iossuMMMmIdtRQDEwu3IeN7m
 rHadeSXoNpENMDxCQS2Gtg==

<SEC-DOCUMENT>0000950124-06-003814.txt : 20060719
<SEC-HEADER>0000950124-06-003814.hdr.sgml : 20060719
<ACCEPTANCE-DATETIME>20060719170411
ACCESSION NUMBER:		0000950124-06-003814
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20060719
ITEM INFORMATION:		Regulation FD Disclosure
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20060719
DATE AS OF CHANGE:		20060719

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FARMERS & MERCHANTS BANCORP INC
		CENTRAL INDEX KEY:			0000792966
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				341469491
		STATE OF INCORPORATION:			OH
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-14492
		FILM NUMBER:		06969869

	BUSINESS ADDRESS:	
		STREET 1:		307-11 N DEFIANCE ST
		CITY:			ARCHBOLD
		STATE:			OH
		ZIP:			43502
		BUSINESS PHONE:		4194462501

	MAIL ADDRESS:	
		STREET 1:		307-11 NORTH DEFIANCE ST
		CITY:			ARCHBOLD
		STATE:			OH
		ZIP:			43502
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>k06839e8vk.txt
<DESCRIPTION>CURRENT REPORT, DATED JULY 19, 2006
<TEXT>
<PAGE>

                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                    FORM 8-K

                             CURRENT REPORT PURSUANT
                          TO SECTION 13 OR 15(d) OF THE
                         SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported) July 19, 2006

                        Farmers & Merchants Bancorp, Inc.
             (Exact Name of Registrant as Specified in its Charter)

<TABLE>
<S>                             <C>                          <C>
            Ohio                        000-14492                 34-1469491
(State or Other Jurisdiction    (Commission File Number)        (IRS Employer
      of Incorporation)                                      Identification No.)
</TABLE>

<TABLE>
<S>                                                               <C>
           307-11 N. Defiance, Archbold, Ohio                        43502
        (Address of Principal Executive Offices)                  (Zip Code)
</TABLE>

Registrant's Telephone Number, including Area Code (419) 446-2501

                                       N/A
          (Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2 below):

[ ]  Written communications pursuant to Rule 425 under the Securities Act (17
     CFR 230.425)

[ ]  Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR
     240.14a-12)

[ ]  Pre-commencement communications pursuant to Rule 14d-2(b) under the
     Exchange Act (17 CFR 240.14d-2(b))

[ ]  Pre-commencement communication pursuant to Rule 13e-4(c) under the exchange
     Act (17-CFR 240.13e-4(c))

<PAGE>

ITEM 7.01. REGULATION FD DISCLOSURE

On July 19, 2006, Registrant issued a letter to shareholders accompanying the
payment of a quarterly dividend of $0.15 per share payable on July 20, 2006. The
letter indicates that the amount of the current dividend represents an increase
of 20% over the amount of the previous quarterly dividend, and that Registrant
no longer anticipates paying a year-end special dividend. The letter to
shareholders also announces the addition of new market makers for Registrant's
common stock and provides contact information for all of Registrant's current
market makers. The letter to shareholders is furnished as Exhibit No. 99 and
incorporated herein by reference.

ITEM 9.01. FINANCIAL STATEMENTS AND EXHIBITS

(d) Exhibits

The following exhibit is filed with or incorporated by reference into the
Current Report on 8-K:

<TABLE>
<CAPTION>
Number   Exhibit
- ------   -------
<S>      <C>
  99     Letter to Shareholders
</TABLE>

                                    SIGNATURE

     Pursuant to the requirements of the Securities Exchange Act of 1934, the
Registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

     Dated: July 19, 2006


                                        /s/ Barbara J. Britenriker
                                        ----------------------------------------
                                        Barbara J. Britenriker
                                        Executive Vice President &
                                        Chief Financial Officer
                                        (Principal Financial and Accounting
                                        Officer)
<PAGE>

                                  EXHIBIT INDEX

<TABLE>
<CAPTION>
Exhibit
 Number   Description of Exhibit
- -------   ----------------------
<S>       <C>
   99     Letter to Shareholders
</TABLE>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>k06839exv99.txt
<DESCRIPTION>LETTER TO SHAREHOLDERS
<TEXT>
<PAGE>

                                                                      EXHIBIT 99

(FARMERS & MERCHANTS BANCORP, INC. LOGO)

Dear Shareholder,

     On June 16, 2006, The Board of Directors declared a $0.15 per share
dividend to be paid on July 20, 2006 to shareholders of record of June 16, 2006.
Enclosed is your check or deposit notice of the dividend payment.

     This dividend is an increase of twenty (20) percent above the dividend paid
in April and as you will remember that dividend was an eleven (11) percent
increase over the previous regular quarterly dividend. These large increases
have been approved with the intent to level out the quarterly dividends
throughout the year and hopefully show an increase in what you may receive
annually. With these increases The Board of Directors does not anticipate a
special year end "bonus" dividend to be paid in January.

     Based on the increased number of shares and following the stock split that
occurred on May 12, 2006, we have been able to add additional market makers for
our F & M Bancorp Stock. Enclosed is a listing of our current market makers if
you are interested in purchasing or selling shares of stock.

     If you would like to see our current financial statement it can be viewed
through the bank website: www.fm-bank.com under F & M Bancorp. The June
Statement will be available as soon as our second quarter financial statements
are filed with the United States Security and Exchange Commission (SEC). Which
should be by month end.

     As always, if you have any questions please feel free to contact us.

Sincerely,


/s/ Paul S. Siebenmorgen
- -------------------------------------
Paul S. Siebenmorgen
President & CEO

P.O. BOX 216   307-11 NORTH DEFIANCE ST., ARCHBOLD, OHIO 43502
PHONE (419) 446-2501


<PAGE>

(FARMERS & MERCHANTS BANCORP, INC. LOGO)

At the present time The Farmers & Merchants State Bank would like to introduce
the following Market Makers to those who may be interested in buying or selling
Bancorp Stock:

Donelly Pennman & Partners
1373 Grandview Avenue, Suite 208
Columbus, OH 43212
Attn: Matthew E. Lee
Ph. 800-217-7411

Ferris, Baker, Watts, Inc
655 Metro Place South
Dublin, Ohio 43017
Attn: Thomas Dooley
Ph. 866-313-4803

Howe Barnes Investment
222 S. Riverside Plaza, 7th Floor
Chicago, IL 60606
Attn: Lew Coines
Ph. 800-800-4693
    312-655-2964

Keefe, Bruyette, & Woods (KBW)
787 7th Avenue, 4th Floor
New York, NY 10019
Attn: Troy Carlson
Ph. 212-887-8901

Sweney Cartwright & Co.
17 South High Street, Suite 300
Columbus, Ohio 43215
Attn: George Geissbuhler
Ph. 800-334-7481

If you have any questions or concerns please don't hesitate to contact Lydia
Huber, Corporate Secretary, at 419-446-2501 ext. 200.

P.O. BOX 216 307-11   NORTH DEFIANCE ST., ARCHBOLD, OHIO 43502
PHONE (419) 446-2501

</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----
